FEDERAL FAIR DEBT COLLECTION PRACTICES
The Fair Debt Collection Practices Act is a federal law that provides residents of all states with certain rights and protections against abusive, unfair and/or deceptive debt collection practices. This act covers personal, family and household debt, including credit card debt, automobile loans, home loans, utility bills and medical debt.
Debt collectors may not:
Use threats of violence or harm against you or your property.
Publish a list of people that refuse or cannot pay their debts.
Use profane language when speaking with you
Call without identifying themselves.
Advertise your debt.
Falsely imply they are an attorney or government agency representative.
Imply or suggest that you face criminal charges.
Once a debt collector knows that you have employed an attorney to assist you, they are no longer permitted to contact you directly. If a debt collector violates any of your many rights under the Fair Debt Collection Practices Act you may have the right to sue a collector in a court of law. If you win, you may be entitled to recover money for the damages you suffered. In addition, court costs and attorney's fees may also be recovered.
The Law Firm of Aubrey Givens and Associates understands that most debt collectors abide by the law. However, all too often overly aggressive debt collectors, often working on commission violate the dictates of the Fair Debt Collection Practices Act. When this happens, you have the right to stop it.
The Attorneys at Aubrey Givens and Associates have years of experience with the Fair Debt Collection Practices Act and will use every aspect of this law to protect you. If you believe that you have been the victim of unfair collection practices give the Attorneys at Aubrey Givens and Associates a call today at 615-444-4LAW to schedule a no risk case evaluation.